Use of Services

Specialty Risk Insurance provides insurance-related services, information, and communications, including via our website and mobile messaging. By using our services, you confirm that:

• You are at least 18 years old or have legal parental/guardian consent.
• You will use our services in compliance with applicable laws and regulations.
• You will provide accurate and truthful information when interacting with us.

SMS Communication

By providing your phone number verbally in-store, online, or by calling us, you consent to receive text messages regarding:

• Policy updates and reminders
• Claims status and support
• Promotional offers and updates (if applicable)

SMS Disclosure:

• Message frequency varies based on service needs.
• Message and data rates may apply.
• Your phone number will not be shared with third parties for marketing or promotional purposes.
• Reply HELP for support.
• Reply STOP to unsubscribe at any time.
• You can review our Privacy Policy [here] (link to privacy policy).

Account Responsibilities

If you create an account with us, you are responsible for:

• Maintaining the confidentiality of your login information.
• Ensuring that any changes to your contact information are updated promptly.
• Any activity that occurs under your account.

We reserve the right to suspend or terminate accounts that violate these Terms.

Service Modifications and Termination

We may modify or discontinue any part of our services at any time without prior notice. Specialty Risk Insurance is not liable for any losses or damages resulting from service changes or interruptions.

Limitation of Liability

To the fullest extent permitted by law, Specialty Risk Insurance and its affiliates shall not be liable for:

• Any direct, indirect, incidental, or consequential damages arising from your use of our services.
• Loss of data or unauthorized access to personal information despite our best efforts to protect your data.

Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of [Your State/Country], without regard to conflict of law principles. Any disputes shall be resolved in the appropriate courts of [Your Jurisdiction].

Changes to These Terms

We reserve the right to update these Terms at any time. Continued use of our services after updates constitutes acceptance of the revised Terms.

Contact Us

If you have any questions or concerns regarding these Terms, please contact us at:

Specialty Risk Insurance
10385 Blackberry Rd, Carthage, MO 64836
info@specialtyrisk.com
📞 (417) 359-5470